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Posted By Brandon Simmons on November 15, 2018

Downsizing in retirement is not a new concept. However, the rise in popularity of tiny homes is adding a unique twist to the goal. In pursuit of simplicity and flexibility, and sometimes by necessity, a growing number of seniors are using small, often portable residences to be closer to family and enjoying the added freedom that they can provide.

Posted By Brandon Simmons on November 13, 2018

What’s a home buyer to do when interest rates rise? It’s a question many are considering as the market recovers from the long period of historically low rates following the financial crisis of 2008. With rates rising, buyers worry about getting a bad deal, and what that could mean for long-term financial stability.

Posted By Brandon Simmons on November 8, 2018

Well, not typically, but it turns out if you’re searching for the perfect home in the winter season, and you’re willing to put in some legwork over the holidays, there’s good news for you: you’ll face less competition and the potential to get a great deal.

Posted By Brandon Simmons on November 6, 2018

After lots of thought and conferring with family members, you’ve made the decision to simplify your post-retirement life. You’re on board with looking for a smaller, more manageable home, but realize you have a challenge ahead: what will you do with the things that won’t fit into a space with less square footage?

Posted By Brandon Simmons on November 1, 2018

Your home is one of your greatest financial assets, and not just because of the payoff you hope to receive if and when you sell. For many who vacation or travel to see family for the holidays, renting the house can lend some relief to holiday spending, or even help you pay for the trip you’ve always dreamed about.

Posted By Brandon Simmons on October 23, 2018

For most potential buyers, home ownership is a huge decision, particularly in an age of increased student loan debt. Since most people can’t afford to pay for a home outright, the idea of taking on a mortgage—and a multi-year commitment—can be daunting.

Posted By Brandon Simmons on October 18, 2018

Continuous learning can keep your mind sharp as you age and can play a fundamental role in making the most of your retirement. However, retirement savings can limit your ability to be a lifelong learner. One option to free up some cash and secure your financial stability is a reverse mortgage or Home Equity Conversion Mortgage (HECM).

Posted By Brandon Simmons on October 16, 2018

Although owning a home can be a great monetary investment and long term financial tool, one of the greatest perks is that you can truly make your house a home. The sentimental value of the joy shared in your home over the years as your family grows and changes is different when you have a sense of ownership;

Posted By Brandon Simmons on October 11, 2018

Whether you’re putting a house on the market soon or just want your yard to look great in the fall and winter, there are lots of good options for introducing new plant life this time of year. The key is to introduce texture and color to keep the yard looking healthy and vibrant,

Posted By Brandon Simmons on October 4, 2018

More than just improving aesthetic appeal or energy efficiency, some home improvements can be necessary for seniors aging in place to retain independence and quality of life. For many elderly homeowners, normal things like moving about their home, reaching for high or low items, and performing everyday tasks becomes increasingly difficult with age and requires specific accommodations.

Posted By Brandon Simmons on October 2, 2018

Seeing the value of your property increase is a welcome development for homeowners. It can be reassuring evidence that the home they chose to purchase, and when they bought it, was a smart decision. Rising values can also be a signal that it’s time to explore refinancing your current mortgage.

Posted By Brandon Simmons on September 27, 2018

Many seniors can’t wait to retire when the day finally comes, and after a lifetime of hard work, they’ve earned it. But sometimes, after a year of tending the garden, playing golf, and reading through the local library, people find themselves looking for a new project. If you have a little money saved up and you’re drawing from retirement funds,

Posted By Brandon Simmons on September 20, 2018

Unfortunately, the failure to protect personal data and financial information is all too common. As identity theft continues to rise, taking proactive steps to safeguard the records that can put us most at risk is essential.

While the possibility is always present, the depth and sensitivity of information requested during the mortgage application process warrant added vigilance.

Posted By Brandon Simmons on September 18, 2018

Nearly every homebuyer starts with a budget. Beginning the process with a down payment and sales price in mind could simplify your search and avoid the disappointment that comes with falling in love with a home you can’t afford. However, it’s not unusual for home shoppers,

Posted By Brandon Simmons on September 13, 2018

Times have changed, and so has the way couples are buying homes. While some commit to a mortgage before they commit to marriage, others plan to own a home with a domestic partner and forego a legal union altogether. If you’re one of the many unmarried couples contemplating the purchase of a property,

Posted By Brandon Simmons on September 11, 2018

If retirement is on the horizon or you’re already a retiree, financial security is likely a concern. Stepping away from a career (and the consistent paycheck that comes with it) may require a comprehensive strategy to ensure your golden years are adequately funded.

One of the tools many people turn to in retirement is a Home Equity Conversion Mortgage (HECM).

Posted By Brandon Simmons on September 6, 2018

Home improvement isn’t just about fixing what’s broken. It’s also about improving and expanding your home to accommodate your needs as you grow. Whether it’s indoor remodeling, structural modifications or landscaping and exterior beautification, home improvement projects should improve your quality of life as well as your level of satisfaction with your house.

Posted By Brandon Simmons on September 4, 2018

Before you can refinance or sell your home, an independent appraiser must determine its value. Appraisers come to their conclusions by comparing your home to similar properties that have recently sold in the same area. They’ll make price adjustments based on differences in size, condition or features. It might seem scary that so much of your hard work rests on the decision of one person,

Posted By Brandon Simmons on August 30, 2018

An “overwhelming majority” of renters under age 35 hope to be homeowners one day, according to studies by the National Association of Realtors (NAR). Why are they waiting longer than previous generations to buy? There are several reasons, but a few that have contributed to the statistics include slower national wage gains,

Posted By Brandon Simmons on

Being your own boss can mean hard work, long hours and big rewards. It can also make applying for a mortgage much more intimidating. While traditional employees can provide lenders with W-2s and consistent paychecks, being self-employed complicates the income verification process.

Posted By Brandon Simmons on August 16, 2018

Making decisions about the future is never easy, but that’s especially true for those considering where they want to age in place. A HECM for Purchase can give you options, and help you move to a community better suited for your later retirement years.

Posted By Brandon Simmons on August 14, 2018

Itching to move into your new home as soon as possible? Try these time-saving tips to get your mortgage approved and processed without delay, so you can settle in and enjoy your new home. Fortune favors the prepared, and so does the mortgage process.

Posted By Brandon Simmons on August 9, 2018

As life expectancies continue to lengthen, seniors regularly outlive their retirement savings and sometimes struggle to supplement fixed incomes. Although families care deeply for their aging relatives, the cost of supporting them financially in their later years can cause added stress to an already delicate situation.

Posted By Brandon Simmons on August 7, 2018

Sometimes buying a home seems like the most daunting process in the world, especially if you’re a first-time homebuyer that isn’t sure what to expect. Some may even have you thinking you have to hold off on home ownership until you’ve saved what seems like an almost impossible amount of cash,

Posted By Brandon Simmons on August 2, 2018

What would peace of mind in retirement look like to you? Whether you plan to spend most of your time volunteering, working in a meaningful part-time job, or simply enjoying leisure activities to the fullest, financial security is crucial. A retirement on the horizon means answering important questions about how you’ll structure your finances to ensure a healthy,

Posted By Brandon Simmons on July 31, 2018

According to the U.S. Census Bureau, 64.2% of Americans are homeowners. If you’re part of the 35.8% renting, you might think you’re saving money, and in the short term, you might be right. However, shifting your perspective to the long-term gains and benefits of owning may have you singing a different tune.

Posted By Brandon Simmons on July 26, 2018

Grandchildren are one of life’s great joys. However, keeping them entertained during extended summer visits can be a challenge. Whether you need to satisfy the boundless energy and curiosity of a preschooler or capture the imagination of a tween who thinks they’ve seen everything, planning ahead can be the key to memories everyone will cherish.

Posted By Brandon Simmons on July 24, 2018

School’s out and the long days of summer are in full swing, which means it’s a great time to invest in some projects to spruce up your home or yard. From one-day odd jobs to weekend undertakings, these family-friendly activities will create memories and value for years to come.

Posted By Brandon Simmons on July 19, 2018

The most recent survey by the National Council on Aging showed that 75 percent of Americans over the age of 60 intend to stay in their homes the rest of their lives. However, the reality is that many seniors will leave their homes for unforeseen financial or health reasons.

Posted By Brandon Simmons on July 17, 2018

We’re over halfway through 2018, which means the real estate trends for this year are becoming clear. While no one knows for sure what the future will hold, reviewing what we’ve seen happen so far can help buyers understand what to expect when they put in an offer on a potential home.

Posted By Brandon Simmons on July 12, 2018

On the way to dropping your child off at soccer practice, your mind wanders to your to-do list for the next day, which looks something like this: pick up your mother’s medication, help make her next doctor’s appointment, and work with your eldest daughter to fill out college and scholarship applications.

Posted By Brandon Simmons on July 11, 2018

In less than a decade, Airbnb has transitioned from a trendy vacation method to a staple of modern day travel. As the travel season approaches, some will be looking to save money at vacation destinations, while others might be converting their homes into Airbnb units for extra cash. Could Airbnb hosting be a good option for you and your home?

Posted By Brandon Simmons on July 10, 2018

After weeks of gathering personal information, printing off bank statements and tax records, and waiting for the bank to approve and underwrite your loan, the time has come—you’ve signed your lender’s paperwork and bought a new house. Now for the really fun part: packing and moving. In the hectic time to come,

Posted By Brandon Simmons on July 5, 2018

As one of the most popular types of home mortgages, FHA loans can offer a unique and essential option, especially for first-time home buyers. Backed by the Federal Housing Administration, the loans combine less restrictive financial requirements with generous lending terms to create an attractive alternative.

While many borrowers may be aware of the 3.5 percent minimum down payment or that a credit score as low as 580 can still qualify,

Posted By Brandon Simmons on July 3, 2018

July is National Grilling Month, and with good reason: long after the 4th of July festivities are over, the lure of Summer Fridays and the promise of pool parties means the backyard is a continuous opportunity for celebration. For homeowners looking to upgrade their backyard space for this purpose,

Posted By Brandon Simmons on June 28, 2018

We all know someone that puts an enviable amount of energy into making the planet a better place, and hey, maybe that’s you! The good news is, no matter where you lie on the spectrum of green living, there are simple ways just about anyone can make their home more eco-friendly.

Posted By Brandon Simmons on June 26, 2018

If you’re in the market for a home, it’s likely your priorities are choosing a home that is a good fit for your lifestyle: Will it fit your growing family? Is it a community with access to the activities, schools and establishments you want in your everyday life? Do you feel comfortable with the neighborhood and its surroundings?

Posted By Brandon Simmons on June 21, 2018

A Home Equity Conversion Mortgage (a reverse mortgage sometimes referred to as HECM) is often considered an avenue for high-equity homeowners to supplement retirement income without selling the home. However, the flexibility of a HECM can also offer funding to make critical improvements or cost-saving upgrades to the home.

Posted By Brandon Simmons on June 19, 2018

It’s an exciting time in your life. You’ve worked hard, you saved up — you’re considering buying your first home. But the road between first time homebuyers and the dotted line can be full of rookie mistakes. To help you spot these pitfalls before you’re in them, here’s three things to consider when going from homebuying to home owning for the first time.

Posted By Brandon Simmons on June 12, 2018

A down payment can be one of the biggest obstacles to homeownership. But, it doesn’t have to be. Open Mortgage partners with our clients to identify available mortgage options with minimal or zero down payment requirements. Here are some of the ways we help borrowers achieve the dream of homeownership sooner rather than later.

Posted By Brandon Simmons on June 7, 2018

With the summer housing market heating up, a sparkling pool or comfortable outdoor kitchen may seem like the key to closing a sale. However, backyard amenities may not live up to expectations, for buyers or sellers, particularly when it comes to completing the transaction.

Posted By Brandon Simmons on June 5, 2018

No one wants to look out their windows to see a yard filled with brown patches, or pull in their driveway and be greeted by sad, thirsty flowerbeds. While the summer sun can test even the greenest of thumbs, there are some simple steps to give your grass and plantings a fighting chance during the hottest months.

Posted By Brandon Simmons on May 31, 2018

While a Home Equity Conversion Mortgage (HECM), or reverse mortgage, can be a smart financial tool for those needing to supplement their retirement income, its possible ability to protect a well-funded nest egg is easy to overlook.

As retirement approaches, even those with a solid financial plan may fear the damage an ill-timed market downturn can do to their investment portfolio.

Posted By Brandon Simmons on May 24, 2018

If you’re 62 and considering a Home Equity Conversion Mortgage (HECM), often referred to as a reverse mortgage, you may have more flexible options than you realize. Adding a HECM to your retirement strategy also means you can determine the payout plan that will best fit your situation.

Posted By Brandon Simmons on May 22, 2018

The season of vacations, pool parties, barbecues and sunblock is nearly here. But, summer months aren’t all sun and fun. The higher temperatures can run utility fees up to unsightly amounts. Take action now to make sure your summer is high on thrills and low on bills.

Posted By Brandon Simmons on May 17, 2018

The negotiations and decision-making that are integral to selling a home can be stressful. While many aspects are mostly out of your hands, staging is one strategy that may help the process go more smoothly, and more quickly. Thankfully, arranging and decorating your home to appeal to potential buyers doesn’t have to break the bank.

Posted By Brandon Simmons on May 15, 2018

With their children out of the house, many empty nesters consider downsizing their expenses, starting with a smaller home. If they haven’t bought a home in a while, they will find that much has changed in the mortgage process, especially since the 2007 subprime mortgage crisis. Aligning your expectations with the reality of today’s mortgage process can take much of the frustration out of the experience.

Posted By Brandon Simmons on May 10, 2018

Retirement is one of the milestones most looked forward to in life. Work is done and free time reigns. Maybe you’ve always wanted to travel Europe, or take up sailing, or just live closer to your children and grandchildren, but money is tighter now. For many, a Home Equity Conversion Mortgage (HECM) is a great way to increase your cash and accomplish your bucket list in your retirement years.

Posted By Brandon Simmons on May 3, 2018

When we think about the future, we often imagine the benefits of retiring to spend time doing the things we like, enjoying hard-earned rewards and no longer having to worry about Monday morning meetings. What’s less fun to think about is the aspect of planning for what happens as we continue to age,

Posted By Brandon Simmons on April 30, 2018

So you’ve made the decision: you’re ready to buy a home. Like most homebuyers, you know you’ll need to finance the purchase. But how do you get the best mortgage rate possible to maximize that financing? You can save thousands of dollars over the lifetime of the loan just by lowering your mortgage rate by a percentage point.

Posted By Brandon Simmons on April 26, 2018

Good health and financial security are essential to enjoying retirement. Planning ahead will go a long way to ensure both are waiting for you when the time comes. However, a reverse mortgage, or HECM, may also be a useful tool to help you achieve those goals.

In addition to providing a flexible revenue stream without having to sell your home,

Posted By Brandon Simmons on April 23, 2018

A house is likely the largest and most important purchase most of us will ever make. Considering how much time effort and money is invested into buying the perfect home, deciding how to protect it is a critical decision.

The Basics

All mortgage lenders require buyers to maintain a standard home insurance policy.

Posted By Brandon Simmons on April 19, 2018

Senior homeowners face many decisions as they near retirement and begin planning for the future. While a secure income stream may be awaiting some, the reality for many will be crucial conversations about meeting financial goals and maintaining a lifestyle they can enjoy.

These discussions will likely begin with a fundamental question: Where will you live when you retire?

Posted By Brandon Simmons on April 18, 2018

With the days getting longer and warmer weather settling in, moving downtime from the living room to the backyard is a familiar ambition. However, if your outdoor space lacks the functionality and comfort of your couch, it could be time to make a change.

Find The Funds

While there are lots of affordable ways to spruce up your yard or patio,

Posted By Brandon Simmons on April 12, 2018

It’s a time of the year many Americans dread: tax season. While preparing taxes can be painful work, almost 80% of those in the U.S. will get a refund, with an average of about $2800 over the past few years. But if you find yourself with a nice chunk of change after filing taxes,

Posted By Brandon Simmons on April 11, 2018

As homeowners grow older and retire, they look forward to a new chapter in their lives. They plan to travel more, spend time with grandkids, and read all the bestsellers, with plenty of time to putter around their home gardens. But all home gardens are not created equally; homeowners that don’t want to pay for help can keep costs low by creating a garden that stays easy to maintain throughout their golden years,

Posted By Brandon Simmons on April 2, 2018

You know exactly what you want in a house. You’ve scoped out your local market, and a couple of neighboring markets, too. You’ve kept an eye on foreclosures and auctions and done your research. There’s just one problem: nothing you’ve seen meets your expectations; the house you want doesn’t exist yet as-is.

Posted By Brandon Simmons on March 29, 2018

Everyone looks forward to their retirement, but experiencing an income adjustment isn’t easy. This becomes especially true as homeowners and their houses age together. Retirees may find that at a certain point their homes need minor repairs or upgrades they aren’t able or willing to fix themselves. For those living on a fixed income,

Posted By Brandon Simmons on March 28, 2018

If you are a first time home-buyer dipping your toes in the waters of home mortgages, it can sometimes feel like you’re drowning in information. You’ll probably find yourself turning to the internet to Google: How much mortgage can I afford? This will give you many links to online calculators,

Posted By Brandon Simmons on March 22, 2018

AHome Equity Conversion Mortgage (HECM), or reverse mortgage, allows homeowners age 62 and older to tap into their home’s equity. The funds can be used to supplement retirement income, travel or for any number of other purposes while allowing the homeowners to remain in the home as long as they like.

Posted By Brandon Simmons on March 21, 2018

Teachers and first responders have an enormous impact on our communities. What they consider routine can have life-changing implications for those around them. And although the financial rewards for these professionals may match their efforts, the contributions don’t go unnoticed.

One way their dedication gets recognized is through unique home buying and mortgage programs.

Posted By Brandon Simmons on March 15, 2018

For most of us, the appeal of retirement is due in great part to the freedom that it provides. The freedom to travel, re-discover a hobby, or spend time with loved ones, all while untethered from the distractions and restraints of employment.

One of the methods available to enjoy this freedom is a Home Equity Mortgage Conversion Mortgage (HECM) or reverse mortgage.

Posted By Brandon Simmons on March 14, 2018

Getting back into the home buying market after a foreclosure is daunting, but not as uncommon as you might think. The housing crisis a decade ago left millions of homeowners in foreclosure, but many have already overcome the higher hurdles of buying their next home.

Posted By Brandon Simmons on March 12, 2018

Spring will be here in just a few weeks, and as the weather warms up it’s a perfect time to do a few maintenance items around your home to protect your investment. Here’s a good checklist to guide you through your spring inspection.

Posted By Brandon Simmons on March 8, 2018

Out with the old, and in with the new. It’s the mantra of spring cleaning, and it’s not just relegated to boxes of unused items stored in the garage. With the warmer summer months right around the corner, homeowners should ensure their homes are sealed and as energy efficient as possible.

Posted By Brandon Simmons on March 7, 2018

Not everyone craves the energy of city living (and sometimes the hassles that can arise from it). Luckily, mortgages aren’t one-size-fits-all. There’s even a specific loan to help encourage home ownership outside the most densely populated areas of the United States.

Posted By Brandon Simmons on March 5, 2018

First impressions are important when selling a home, and the best way to make a good first impression is with curb appeal. Failing to maintain the outside of your home can turn off potential home buyers, but with a little thought and planning, you can have maximum impact on a minimum budget.

Posted By Brandon Simmons on March 1, 2018

Before taking out a home equity conversion mortgage (or HECM) loan, you’re required by law to take part in a third-party counseling session with a government-approved housing counselor. This counseling session is meant to help you and other potential borrowers be fully versed in all the options available, be educated on the HECM itself and provide you with support and guidance throughout it all.

Posted By Brandon Simmons on February 28, 2018

Before anyone buys a first home, they have a picture in their mind of what it might include, and how it might look. The good news is that you don’t have to be an architecture buff to learn the basics, which can aid you in your search to finding a dream residence.

Posted By Brandon Simmons on February 26, 2018

February marks a time of reflection in the history of our country, and this Black History Month, we celebrate the triumphs of African American heroes. Through grit and incredible resolve, many became homeowners despite incredible odds and extreme racial prejudice. Below, we recognize the men and women that helped make strides in many aspects of social justice,

Posted By Brandon Simmons on February 22, 2018

When springtime arrives, temperatures rise and the real estate market heats up. Most of us know how to take advantage of the warmer weather, but home sellers hoping to make the most of the peak season may benefit from some proven advice. Focusing on a few key areas can go a long way toward making your home stand out in a crowded marketplace.

Posted By Brandon Simmons on February 21, 2018

Like any other government regulated programs, the reverse mortgage industry experiences regular updates as mandated by the Department of Housing and Urban Development (HUD). Our reverse mortgage specialists can answer your specific questions, but this broad overview of the recent changes to the Home Equity Conversion Mortgage program (HECM) will ensure you’re an educated borrower.

Posted By Brandon Simmons on February 16, 2018

A reverse mortgage offers homeowners age 62 and older an affordable avenue to access their home equity. For some, this provides an opportunity to pursue a lifelong dream, while others may simply make it a part of their retirement strategy.

In any case, tapping into your home’s value also makes you contractually obligated to be a responsible homeowner.

Posted By Brandon Simmons on February 12, 2018

Black History Month celebrates the achievements of African Americans and recognizes their central role in American history. It’s also an opportunity to appreciate the advancement of civil rights, and highlight the deficiencies that still exist.

One way to ensure progress continues is by asserting the rights that we all share,

Posted By Brandon Simmons on February 8, 2018

Most first-time home owners understand the difference between achieving the dream of buying a home versus buying a “dream home.” Part of a very personal decision-making process for buyers that know what they can realistically afford means making the latter distinction. Which means you’re probably asking yourself: How can I get the most out of my first home while staying within my budget?

Posted By Brandon Simmons on February 7, 2018

A credit score shouldn’t be taken lightly (it’s a necessary and important part of your financial life, after all!), but it doesn’t have to be scary, either. Credit scores will ebb and flow based on lots of factors, but here’s the most important thing: getting your score into optimal range IS achievable,

Posted By Brandon Simmons on February 5, 2018

A fresh coat of paint and trendy design can certainly impact a homebuyer’s first impression, but those efforts may not translate to more money in the seller’s pocket. Homeowners focused on maximum value should consider improvement projects that go beyond aesthetics.

Posted By Brandon Simmons on February 1, 2018

If you’re in the market for a reverse mortgage (also known as a Home Equity Conversion Mortgage, or HECM), it’s a guarantee you’ll have a lot of questions, including what you’ll need to provide to make it happen. Even in the digital age, documents and paperwork can take some time and planning,

Posted By Brandon Simmons on January 31, 2018

Despite the “reality” shown on popular HGTV shows, buying a home isn’t always rainbows and butterflies. Real-life issues are bound to emerge after your offer is accepted and the loan process is underway. While there’s no reason to be pessimistic, it’s never a bad thing to be prepared for unseen obstacles.

Posted By Brandon Simmons on January 25, 2018

Buying a home is a huge decision. There are lots of questions to ask and pros and cons to weigh before you ever commit to making an offer. But, it’s the financial decisions you made before you started shopping—and the story they tell about you—that could prove to be just as critical.

Posted By Brandon Simmons on January 18, 2018

Buying or selling a home is more than just a transaction. It involves many steps, from listing to closing, and each one can be a source of frustration, especially if either party is unclear about the purpose or unsure about what to expect.

Posted By Brandon Simmons on January 17, 2018

Even in the best case scenarios, change isn’t easy. Retiring is an exciting, but complex process, and if you’re retiring in 2018, it’s important to prepare for what comes next. We’ve put together a game plan to help you stay on track.

Posted By Brandon Simmons on January 11, 2018

Shopping for your first home is exciting. But, it can also be overwhelming. What you won’t see on most of those home-buying television shows is the preparation that goes into applying and qualifying for a mortgage, often before the shopping process even begins.

A little proactive effort before falling in love with a home can go a long way toward a smooth process.

Posted By Brandon Simmons on January 10, 2018

Have you taken your retirement planning far enough? You’ve probably thought about your financial security, investment options, and how to spend the well-deserved freedom that retirement brings, but your strategy shouldn’t end there.

Creating an aging plan to guide the decisions you, and your loved ones,

Posted By Brandon Simmons on January 5, 2018

At the start of every year, we look forward to new beginnings and continued growth, and 2018 is no different. However, it is a big year for us. We’re toasting to a significant milestone in the company’s history: on January 5, Open Mortgage celebrates 15 years in business.

Posted By Brandon Simmons on December 18, 2017

Home equity conversion mortgages (HECM), also known as reverse mortgages, let eligible Americans 62 and older borrow money from their home equity. While HECMs can be a powerful tool for certain individuals and families, they’re not meant for everyone. Watch this video to learn if a HECM could be right for you.

Posted By Brandon Simmons on December 13, 2017

They say it’s the most wonderful time of year.

With holiday parties, out-of-town visitors, and plenty of excuses to try a multitude of tasty treats, there’s definitely lots to look forward to—even as the days get shorter and the weather turns colder.

Posted By Brandon Simmons on December 12, 2017

Home ownership is more than just a house with your name on it; it’s a financial opportunity that can create security over the years through life’s ups and downs. Whatever your goals, the right mortgage can help you along the way.

Posted By Brandon Simmons on December 7, 2017

The holidays aren’t joyful when you’re stressed. It’s easy to get caught up in the busyness of the season with the expectations of gift-giving, party attending, volunteering and decorating. There’s nothing wrong with any of those activities, but squeezing all of it into the normal routine can seem daunting at times.

Every home is a milestone. Every mortgage is a cornerstone. Whether you're buying a new home, remodeling or ready to refinance,
we understand that a loan is more than a tool to achieve your dreams -- it's a belief in you and the importance of
your goals.

Refinancing a home

Take advantage of a lower rate that could reduce your monthly payment or change the term of your loan. Our outstanding customer
service and commitment to provide transparent communications means that Open Mortgage makes your priorities our mission.

About Us

Open Mortgage is a multi-channel mortgage lender. We believe that better is possible, and we are constantly striving to bring a better mortgage experience to everyone.